Bank · FDIC insured
Climate First Bank CD Rates
Top CarrotClimate First Bank’s best CD rate is 4.39% APY on a 5-year CD. Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Climate First Bank’s CD rates compare
Compared with banks and credit unions near Orlando, FL, where Climate First Bank has the most branches. $10,000, best rate first.
This bank’s best
Climate First Bank
4.39%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,396
60-Month CD
Top rate
Publix Employees Federal Credit Union
4.65%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $347
2nd-highest rate
Together Credit Union
4.50%APY
- Term
- 11 months
- Minimum
- $1,000
- Earns on $10,000
- $412
Climate First Bank CD score
96
CD score
Higher than 98% of U.S. banks and credit unions
- 3–8 months3–8 mo4.33%
- 9–15 months9–15 mo4.15%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo4.39%
- QualifiedQualified4.39%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Climate First Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
60-Month CD
4.39%APY · 1 term
No additional deposits allowed. Early withdrawal of principal before maturity is subject to a penalty equal to 90 days' interest. Automatically renews to the same term CD unless funds are withdrawn within the 10-day grace period after maturity. Withdrawals reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 60 monthsMinimum opening deposit of $500.00 required. No additional deposits allowed. Early withdrawal penalty of 90 days' interest applies | 4.39% | $2,396 |
6-Month Penalty-Free CD
4.33%APY · 1 term
No penalty for early withdrawals. No additional deposits allowed. Account automatically renews for the same term unless funds are withdrawn within the 10-day grace period after maturity. Withdrawals reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsA minimum opening deposit of $500.00 is required and must be maintained daily to earn the disclosed APY. Interest rate will be in effect for 6 months and subject to change thereafter. No additional deposits allowed. No penalty for early withdrawals | 4.33% | $214 |
30-Month CD
4.25%APY · 1 term
No additional deposits allowed. Early withdrawal of principal before maturity is subject to a penalty equal to 90 days' interest. Automatically renews to standard 6-month CD unless funds are withdrawn within the 10-day grace period after maturity. Withdrawals reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 30 monthsA minimum opening deposit of $500.00 is required and must be maintained daily to earn disclosed APY. No additional deposits allowed. Early withdrawal penalty of 90 days' interest applies | 4.25% | $1,097 |
12-Month Penalty-Free CD
4.15%APY · 1 term
No penalty for early withdrawals. No additional deposits allowed. Account automatically renews for the same term unless funds are withdrawn within the 10-day grace period after maturity. Withdrawals reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsA minimum opening deposit of $500.00 is required and must be maintained daily to earn the disclosed APY. Interest rate will be in effect for 12 months and subject to change thereafter. No additional deposits allowed. No penalty for early withdrawals | 4.15% | $415 |
Sources (3)
All captured Oct 15, 2026
15-Month Flex CD
Up to 2.69%APY · 1 term
May increase the interest rate one time during the term if the Bank's rate for the same term Flex CD increases. Additional deposits permitted in increments of $100 up to one-half of the initial principal balance. One withdrawal of up to one-half of initial principal balance permitted without penalty during the term. Early withdrawals exceeding one-half initial principal or after the first withdrawal are subject to a penalty of 90 days' interest. If withdrawn within first 90 days, penalty may reduce principal. Automatically renews to standard 12-month CD at maturity unless withdrawn within 10 days.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsRate increase option: may increase the rate one time during the term if Bank's rate increases. Make additional deposits up to one-half of initial principal balance | 2.69% | $337 |
| 15 monthsRate increase option: may increase the rate one time during the term if the Bank's rate increases. Additional deposits allowed in increments of $100 up to 50% of initial principal balance. One penalty-free withdrawal up to 50% of initial principal balance | 2.68% | $336 |
Sources (3)
- climatefirstbank.com/cd
- climatefirstbank.com/personal/personal-deposit-products
- join.climatefirstbank.com/accounts
All captured Oct 15, 2026
Opening an account
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